Mula

Mula is an SMS-based money management app for Kenya M-PESA users. It helps you understand where your money goes by turning supported M-PESA transaction SMS messages into clear spending insights.

After you grant SMS access, Mula reads transaction alerts on your phone, identifies incoming and outgoing payments, and organizes them into daily, weekly, and monthly views. You can track budgets, safe-to-spend, categories, trends, duplicates, failed transactions, and month-end projections without manually entering every expense.

Key features:
- Import supported M-PESA transaction SMS messages
- Sync new transaction SMS alerts
- See safe-to-spend and financial health signals
- Track daily and monthly budgets
- Review category insights and animated spending graphs
- Detect duplicate or failed transactions
- Receive budget alerts on your device

Mula uses SMS access only for money management features based on financial transaction messages. It is not a default SMS app, does not replace your phone or messaging app, does not send SMS messages, and does not place calls.